How to Measure the ESG Social Benefits Of Helping Americans Build Good Credit

Measuring the social impact of helping Americans build good credit can be challenging, as there are many factors that can influence credit outcomes and social impact can be difficult to quantify. However, here are some possible ways to measure the impact of programs or initiatives designed to help individuals build good credit.

Ways to Measure the Impact of Credit Building Programs

Credit scores: One of the most direct ways to measure the impact of credit-building programs is to track changes in participants’ credit scores over time. By comparing pre- and post-program credit scores, you can get a sense of how effective the program is at improving credit outcomes.

Loan approvals: Another way to measure the impact of credit-building programs is to track participants’ ability to obtain loans or credit cards. If participants are able to qualify for credit that they previously could not access, this can be a sign of improved credit outcomes.

Delinquency rates: Tracking delinquency rates (i.e., the percentage of accounts that are past due or in default) can help measure the impact of credit-building programs on participants’ ability to manage debt and make on-time payments.

Financial well-being: While more difficult to measure, improvements in participants’ overall financial well-being can be a sign of the impact of credit-building programs. For example, if participants are better able to save money, reduce debt, or achieve other financial goals, this can be an indication that the program has had a positive impact.

Long-term outcomes: Finally, it’s important to track the longer-term outcomes of credit-building programs, such as participants’ ability to maintain good credit habits over time and their success in achieving longer-term financial goals (e.g., buying a home, starting a business, etc.). By measuring these longer-term outcomes, you can get a better sense of the sustained impact of credit-building programs on participants’ lives.


Our team is dedicated to educating and offering products that provide financial equity to all. We do this by reporting rental payments to credit bureaus, helping people build their credit. We know credit history impacts homeownership and interest rates on personal loans (cars, credit cards, etc.) and has a major impact on people’s lives long term. 

Rent is the largest payment of the month for many people, often more than 50% of their monthly income. Before CredHub those renters did not receive credit for their rental payments, causing many renters to have low credit scores or to be credit invisible. 

CredHub has also supported affordable housing properties since 2018 by providing financial support of Mary’s Place and the National Low Income Housing Coalition.

To learn more schedule time with the CredHub team here. 

report rent to build credit

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